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I feel very sorry for you. I would assume the hosting company should have insurance, they SHOULD. Yet, if not, you are screwed. Doesn't matter what WE think. Sounded fishy though even before you mentioned what the detective said. Likely the owners weren't in on it, but they probably know who did it.
I guess it pays to go with a reputable hosting company. I know I'm paying more per month than I should as there are many much much cheaper companies out there, but the company I have been with seems very reputable and I'm willing to pay the extra for the peace of mind.
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